Ask HN: How do we buy US health insurance for a remote team?

Everybody on our four-person team is a US citizen working from home; each of us resides in a different state. (CA, MI, MA, NY)

We're trying to buy group health insurance for our team, but we can't find any way to do it. All of the health insurance companies we've tried to contact require that we have at least 51% of our employees in that state. They literally won't take our money.

Does anybody know anybody who has solved a problem like this? What do we do? Whom can we call?